Financial Highlights Key Operating Figures
| Unit: RMB million |
Change |
Nine-month ended30 Sep 2009 |
Nine-month ended30 Sep 2008 |
| Net interest income |
-5.43% |
115,610 |
122,250 |
| Non-interest income |
-3.81% |
53,150 |
55,258 |
| Including: Net fee & commission income |
+ 8.39% |
34,513 |
31,841 |
| Operating expenses |
+ 2.95% |
-72,553 |
-70,473 |
| Impairment losses on assets |
-55.42% |
-11,730 |
-26,313 |
| Profit after income tax |
+ 4.35% |
65,253 |
62,533 |
| Profit attributable to the equity holders of the Bank |
+3.82% |
62,230 |
59,943 |
Key Assets and Liabilities Figures
| Unit: RMB million |
Change |
As at 30 Sep2009 |
As at 31 Dec2008 |
| Total assets |
+19.95% |
8,338,495 |
6,951,680 |
| L oans and advances , net |
+ 43.98% |
4,592,321 |
3,189,652 |
| Total liabilities |
+20.99% |
7,818,002 |
6,461,793 |
| Due to customer |
+ 25.49% |
6,402,441 |
5,102,111 |
| Shareholder's equity |
+5.87% |
491,508 |
464,258 |
Key Ratios
| |
Change(PPT) |
Nine-month ended30 Sep 2009 |
Nine-month ended30 Sep 2008 |
| Earning per share (RMB) |
+ 0.01 |
0.25 |
0.24 |
| Return on average assets |
-0.19 |
1.14% |
1.33% |
| Return on average equity |
-1.01 |
17.36% |
18.37% |
| Net interest margin |
-0.65 |
2.03% |
2.68% |
| Non-interest income to operating income |
+ 0.36 |
31.49% |
31.13% |
| Cost to income ratio |
+ 3.02 |
37.90% |
34.88% |
| Credit cost |
-0.06 |
0.35% |
0.41% |
| |
Change(PPT) |
As at 30 Sep 09 |
As at 31 Dec 08 |
| Net asset per share (RMB) |
+ 0.11 |
1.94 |
1.83 |
| Impaired loan ratio |
- 1.13 |
1.63% |
2.76% |
| Impaired loan coverage ratio |
+ 25.27 |
142.45% |
117.18% |
| Non-performing loan ratio |
- 1.05 |
1.60% |
2.65% |
| Non-performing loan coverage ratio |
+ 22.94 |
144.66% |
121.72% |
|
